Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you have paid and the amount you owe. If the amount you have paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get tax benefit on this type of loan. Consult your tax advisor before opting for this loan.

ehmm. why could you not directly email me for this question instead of spending 5 points…=(

Go to

Helped my wife before we got married. She was in the same situation as you. And as of last month, she is now Debt Free.

Good luck!